2006 Ford Escape Insurance Quotes – 6 Tips to Save

Looking for better auto insurance rates for your Ford Escape? Finding the cheapest auto insurance over the internet is difficult for people who are new to comparison shopping online. With a ridiculous number of insurers available, how can anyone effectively compare every one to find the best available rates?

If you currently have car insurance, you should be able to save some money using these techniques. The purpose of this post is to teach you the best way to quote coverages and some money-saving tips. But drivers need to learn the way insurance companies price insurance differently because it can help you find the best coverage.

Insurance Prices

There are a variety of methods you can shop for 2006 Ford Escape insurance but there is one way that is more efficient than others. You could waste a few hours talking to agents in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Most of the larger companies participate in an industry program where prospective buyers only type in their quote data once, and at least one company can provide price quotes. This eliminates the need for form submissions for every insurance company.

To fill out one form to compare multiple rates now click here (opens in new window).

The single downside to comparing rates this way is buyers cannot specifically choose which insurance companies to get pricing from. So if you prefer to pick specific providers for rate comparison, we have a page of insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, double check that you are using the exact same information on every quote. If your comparisons have mixed coverages it will be next to impossible to make an equal comparison. Quoting even small variations in limits could mean much higher rates. Keep in mind that obtaining a wide range of quotes will increase your chances of finding the best rates.

Are auto insurance companies telling the truth?

Auto insurance providers like Progressive, Allstate and Geico constantly bombard you with television and radio advertisements. They all have a common claim that you can save if you switch your policy. How does each company say the same thing? It’s all in the numbers.

Different companies can use profiling for the type of customer that makes them money. For example, a profitable customer could possibly be between the ages of 40 and 55, has no tickets, and drives less than 7,500 miles a year. Any driver who meets those qualifications gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Drivers who don’t measure up to this ideal profile will be charged a higher premium which usually ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can make those claims. That is why you should get as many comparisons as possible. It’s not possible to predict the company that will fit your personal profile best.

Don’t pay full price with these six discounts

Companies do not list every discount in a way that’s easy to find, so we took the time to find some of the best known and the harder-to-find ways to save on insurance coverage.

  • Multi-policy Discount – When you combine your home and auto insurance with one company you may earn at least 10% off all policies.
  • College Student – Kids in college living away from home attending college and do not have a car can receive lower rates.
  • Driver Safety – Successfully completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Safe Driver Discount – Insureds without accidents may save up to 50% more on Escape coverage than their less cautious counterparts.
  • Auto/Life Discount – Some companies give lower rates if you buy auto and life insurance together.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think you would end up receiving a 100% discount, you’re out of luck.

For a list of providers who offer insurance coverage discounts, click here.

Your personal situation dictates your coverage

When it comes to choosing adequate coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different.

These are some specific questions might point out if you will benefit from professional help.

  • Is my custom paint covered by insurance?
  • How many claims can I have before being cancelled?
  • How much can I save by bundling my policies?
  • Is upholstery damage covered by car insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does insurance cover tools stolen from my truck?
  • When should I remove comp and collision on my 2006 Ford Escape?
  • Should I sign the liability waiver when renting a car?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverage information

Understanding the coverages of your auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Ford Escape.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive auto insurance

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, a tree branch falling on your vehicle and fire damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability

This coverage can cover damage that occurs to a person or their property in an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like legal defense fees, funeral expenses, repair costs for stationary objects and structural damage. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Coverage for collisions

This coverage covers damage to your Escape resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, scraping a guard rail, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for expenses like rehabilitation expenses, dental work, prosthetic devices and surgery. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

At the end of the day…

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced physical damage coverage and discovered at claim time they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

We just showed you some good ideas how to shop for 2006 Ford Escape insurance online. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers could even find that the best price on insurance is with an unexpected company.

Consumers switch companies for a variety of reasons including questionable increases in premium, policy non-renewal, not issuing a premium refund and extreme rates for teen drivers. It doesn’t matter why you want to switch switching insurance companies is pretty simple and you could end up saving a buck or two.

More information